Just got approved for Cap1 CC!

[LSUTiger32]

Obviously you aren't too interested in the "rebuilding" process post-BK... so why is it that you must chime in with snide remarks to those of us who are interested in establishing credit post BK?

Some of us here would like to rebuild our credit scores so that we can buy another house someday or maybe even get a new vehicle. Yes yes, I know, we should all pay cash for our vehicles and live in 10x10 shacks the rest of our lives just because we once made mistakes that put us into a BK.... but come on... seriously... credit is not a bad thing... it's how you handle it that is important...

For me personally, I'm rebuilding now so that my hubby & I can sell our current home and buy another one someday.... without new credit our scores aren't likely to come up to where we need them to be in another year when we're eligible to get a new mortgage loan...

Do you all get this from a talking points paper or something? There must be a lot of democrats on this board with all the anti-free speech talk. Nothing I said is "snide."

I say again.....YOU DO NOT NEED A CREDIT SCORE TO BUY A HOUSE. I mean read the FHA guidelines for crying out loud.

It's funny how you are entitled to your opinion on credit but when I give mine I am snide. I get a there is no way you can possibly survive in life without credit from you but I can't express the opinion that you don't need it.

I know it's hard to imagine but yeah try buying a car you can afford instead of financing something at 12% that loses 20% of it's value a year.

I promise the snide, rude, moronic jerk will refrain from posting my opinion on this thread anymore and I sincerely apologize for offending anyone. Congrats to all on the credit cards.

[mom2three09]

Sorry, I thought being a public forum and all I was within my right to post my thoughts.

So let's see you listed all the ways they rip you off and yet you are clamoring for one. My bad, good luck getting one of those lovely things. It's quite obvious to me that way too many people think you cannot be a success financially without a precious credit card.

"Just because someone has a credit card doesn't mean they are gonna get into trouble" ----- famous last words.

Sometimes I think I clicked on the credit card lovers forum instead of the BKForum. There is no way that there are this many people that learned absolutely nothing from filing BK.

Obviously you aren't too interested in the "rebuilding" process post-BK... so why is it that you must chime in with snide remarks to those of us who are interested in establishing credit post BK?

Some of us here would like to rebuild our credit scores so that we can buy another house someday or maybe even get a new vehicle. Yes yes, I know, we should all pay cash for our vehicles and live in 10x10 shacks the rest of our lives just because we once made mistakes that put us into a BK.... but come on... seriously... credit is not a bad thing... it's how you handle it that is important...

For me personally, I'm rebuilding now so that my hubby & I can sell our current home and buy another one someday.... without new credit our scores aren't likely to come up to where we need them to be in another year when we're eligible to get a new mortgage loan...

[LSUTiger32]

You know I am just teasing you LSUTiger32.

I agree with you that focusing too much on obtaining credit post bk is not ideal. I just want to buy my little house in two years.

I hear ya bro, I totally understand about wanting a house. I know you will get it!

[LSUTiger32]

Perfectly fine for you to voice your opinion... just stating I don't agree with it and shouldn't run around bashing everyone left and right just cause they want a credit card. If they understand the risk and they still do it... more power to them. And I do have 2 already... I don't need good luck getting one.

How in the world do you consider what I did bashing anyone? So now stating my opinion about credit cards and saying that you are better off is bashing you? Wow.

OK then, good luck on the two you have because you are going to need it. Just remember this thread when if one little thing goes wrong they rate jack you to 30%.

I am not mad at you for having one, I am just trying to get people to think about what they are doing.

[backtoschool]

LOL! No I just have this thread on my radar because of that greatest quote ever where the debt free life and the credit card were both congratulated!

Hey give me some credit, I did say that if you MUST have one at least make it a secured one. I just cringe when I see people actually get upset because they didn't get a credit card. I just don't get it. Either people didn't go through what I went through with those people or they just don't care about their finances.

You know I am just teasing you LSUTiger32.

I agree with you that focusing too much on obtaining credit post bk is not ideal. I just want to buy my little house in two years.

[Amy26]

Perfectly fine for you to voice your opinion... just stating I don't agree with it and shouldn't run around bashing everyone left and right just cause they want a credit card. If they understand the risk and they still do it... more power to them. And I do have 2 already... I don't need good luck getting one.

[LSUTiger32]

I don't think I was ever a slave to a credit card. I mostly had to bankruptcy because I was unemployed for 6 months without unemployment and my house.

Just because someone has a credit card doesn't mean they are gonna get into trouble again or go crazy with their finances... sure it happens, but not EVERYONE will go nuts with credit.

Reasons I can think for not having a credit card are the crazy interest rates right now, the unwillingness for banks to work with you right now, limit decreases...

But its not really a good response to me being upset I got denied and saying yay you won't be a slave again... because I don't feel that way. If you do, that's fabulous, but I don't.

Sorry, I thought being a public forum and all I was within my right to post my thoughts.

So let's see you listed all the ways they rip you off and yet you are clamoring for one. My bad, good luck getting one of those lovely things. It's quite obvious to me that way too many people think you cannot be a success financially without a precious credit card.

"Just because someone has a credit card doesn't mean they are gonna get into trouble" ----- famous last words.

Sometimes I think I clicked on the credit card lovers forum instead of the BKForum. There is no way that there are this many people that learned absolutely nothing from filing BK.

[Amy26]

Lucky you! Now you don't have to be slave to a credit card again!

I don't think I was ever a slave to a credit card. I mostly had to bankruptcy because I was unemployed for 6 months without unemployment and my house.

Just because someone has a credit card doesn't mean they are gonna get into trouble again or go crazy with their finances... sure it happens, but not EVERYONE will go nuts with credit.

Reasons I can think for not having a credit card are the crazy interest rates right now, the unwillingness for banks to work with you right now, limit decreases...

But its not really a good response to me being upset I got denied and saying yay you won't be a slave again... because I don't feel that way. If you do, that's fabulous, but I don't. I have 2 credit cards now hooters and HSBC ... both have smaller limits... but that works for me. Capital one can kiss my heiny!

[LSUTiger32]

Are you stalking the rebuilding credit thread trying to save us all from ourselves LSUTiger32?

Now don't faint, but I actually agree with you in regards to the poster you are answering. If the poster is collecting unemployment for half the year, then he does the have the job stability required to establish credit post bankruptcy.

LOL! No I just have this thread on my radar because of that greatest quote ever where the debt free life and the credit card were both congratulated!

Hey give me some credit, I did say that if you MUST have one at least make it a secured one. I just cringe when I see people actually get upset because they didn't get a credit card. I just don't get it. Either people didn't go through what I went through with those people or they just don't care about their finances.

[backtoschool]

You are better off.

Are you stalking the rebuilding credit thread trying to save us all from ourselves LSUTiger32?

Now don't faint, but I actually agree with you in regards to the poster you are answering. If the poster is collecting unemployment for half the year, then he does the have the job stability required to establish credit post bankruptcy.

[rose1]

I am still trying to figure out why everyone else that bk'd capital one can still get credit with them... everytime I apply (it says I am pre-approved for the platinum classic) it denies me saying "prior delinquency with capital one" ... why do they forgive the rest of you and not me ><

Hey Amy26, I got the same message from them but I tried like 2 weeks and was told my application is under review. I'll have a response within 7-10 days. Before, I was flat out told NO, I have a delinquency with them. So just try again in a month or so.

[LSUTiger32]

I am still trying to figure out why everyone else that bk'd capital one can still get credit with them... everytime I apply (it says I am preapproved for the platinum classic) it denies me saying "prior delenquency with capital one" ... why do they forgive the rest of you and not me ><

Lucky you! Now you don't have to be slave to a credit card again!

[LSUTiger32]

Wonder if I should go Orchard Bank Secured. The $35 fee is waived for the 1st year and I have to deposit $200 to them. Do I get that $200 back or is it theirs to keep?

Well a secured card is just that, the card is secured by your deposit. Therefore, as long as you have the secured card the deposit will be held with that bank. I guess if you must have one at least make it secured that way you can't run into any problems. I personally am not interested in any of them.

[Amy26]

I am still trying to figure out why everyone else that bk'd capital one can still get credit with them... everytime I apply (it says I am preapproved for the platinum classic) it denies me saying "prior delenquency with capital one" ... why do they forgive the rest of you and not me ><

[LAKERHIGH]

You are better off.

Wonder if I should go Orchard Bank Secured. The $35 fee is waived for the 1st year and I have to deposit $200 to them. Do I get that $200 back or is it theirs to keep?